24771 Cutter, Laguna Niguel, CA 92677 Property Records

Orange County property record for 24771 Cutter, Laguna Niguel, CA 92677

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,027 sqft · built 1989
Lot Size	0.126 acres (5,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Jun 2000)
Tax Bill	$5,065 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`653-371-15`

Property Details

APN / Parcel Number

Primary APN	`653-371-15`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,027 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Lot Area	5,500 sqft (0.126 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	24771 CUTTER
City	LAGUNA NIGUEL
State	CA
Zip	92677-8835
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N TR 13071 BLK LOT 12
Legal Subdivision	STERLING NIGUEL
Legal Tract	13071
Legal Lot Number	12
Jurisdiction	ORANGE CA
Township / Civil Division	SOUTH COAST
Census Block Group	1
Census Block	1005
Census Tract	42330

Owner

Source: Orange County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	24771 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 22, 2018	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Jul 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage NMSI INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2000 · Amount on Record
Deed Sale	Jun 21, 2000 · Amount on Record
Deed Document Number	2000326339
Prior Transfer Date	Jan 23, 1996
Prior Transfer Doc	0000041906
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24771 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	TICOR TITLE COMPANY/CA, TICOR TITLE COMPANY OF CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24771 CUTTER, LAGUNA BEACH, CA 92677-8835

Mortgage

Document Number	0000129921
Date	Feb 24, 2021
Instrument	2021000129921

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24771 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORANGE COAST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000229713
Date	Jun 22, 2018
Instrument	2018000229713

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 15, 2048

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE CA
Property Address	24771 CUTTER, LAGUNA NIGUEL, CA 92677-8835
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TICOR TITLE RIVERSIDE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000367468
Date	Jul 29, 2020
Instrument	2020000367468

Lender

Name	NMSI INC
Type	Mortgage Company
Address	LOS ANGELES, CA 90010

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

Tax Assessment & Valuation

Source: Orange County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	California
County	Orange County
Municipality	Laguna Niguel City
Unified School District	Capistrano Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026		$517,334 (+2%) Land $292,585 Building $224,749
2025	$5,065.00 (+3.96%) Homeowner's exemption	$507,191 (+4.04%) Land $286,848 Building $220,343
2023	$4,872.00 (+1.97%) Homeowner's exemption	$487,498 Land $275,710 Building $211,788
2022	$4,778.00

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

Source: FEMA National Flood Hazard Layer, effective September 27, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (1978–1993)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1993 · Severe Winter Storm, Mud & Land Slides, & Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 97.8% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MOULTON NIGUEL WATER DISTRICT serves 168,315 people · EPA ID CA3010073
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 591 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cox Communications Cable	2,000 / 100
AT&T DSL	100 / 20

May also be available: Verizon.

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